In 2026, the USDA loan limit for Caroline, located in Tompkins County, NY, is $336,500, while the FHA limit for a single-family home is $472,030.
Leverage the Lendersa® USDA loan calculator to compare the top USDA and FHA rates today, determining the income, credit, reserves, and documents necessary for qualification. Our sophisticated mortgage calculator enables side-by-side comparison of USDA, FHA, Conforming, and VA loans, guiding you to the best choice in for your financial needs.
2026 Loan Limits and Downpayment Requirements in Caroline, Tompkins, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Caroline, NY
Lendersa® strives to help you quickly secure the best USDA or FHA loan without hassle. Choose from three potential starting points to find matching lenders and appropriate USDA loan programs.
A USDA home loan, supported by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available exclusively in rural neighborhoods. Unlike FHA loans, which require at least a 3.5% down payment, the USDA mortgage requires no down payment.
"We’re TruHome.
And we help credit unions bring their members home.
Credit union members rely on their credit union for all the big and small moments of their lives. With one big exception for most of them, their home mortgages.
While more than 1 in 3 Americans belong to a credit union,"
Santa Rosa County Federal Credit Union is committed to getting you the financial services you need when you need them. We have an array of online services which ensure that you are in control of your personal finances at all times. To become a member of Santa Rosa County Federal Credit Union, you must first be eligible for membership.
Planters Bank & Trust began serving customers in the small community of Ruleville, Mississippi. Throughout our growth, Planters Bank has remained rooted in its mission to dedicate resources to the betterment of our customers and to the communities we live and work.Currently headquartered in Indianola.
JW Capital Company is a mortgage brokerage. We shop numerous lenders to ensure our clients always get a great deal. Our clients receive wholesale interest rates, faster closings (2 to 3 weeks) and excellent customer service throughout the process. This combined with state of the art technology provides an overall stress free experience.
Mortgage Equity Partners is comprised of former leaders and executives from prominent “national lenders.” The principals alone have over 100 years combined experience in the mortgage industry.Your mortgage is one of the most, if not the most, important financial transaction in your life.
1201 Orlando Ave, Suite 100, Winter Park, FL, 32789
We are dedicated to building long-term customer relationships while serving Central Florida’s businesses, professionals and residents. Our experienced staff is trained to provide expert customer service and to make prompt and informed banking decisions. Commerce Bank & Trust, a locally owned community bank.
941 West Morse Blvd, Suite 100, Winter Park, FL, 32789
We are truly passionate about our profession, and the result is that nearly 100% of our business is by referral from satisfied clients, our trusted loan originators and the most experienced local realtors. Our mission is to carefully guide you through the entire home loan process,
1151 Orange Avenue, Suite 200, Winter Park, FL, 32789
Palm State Mortgage Company has been a privately held, Florida licensed mortgage brokerage corporation, always maintaining State and Federal practices in good standing. Palm State specializes in securing the best possible mortgage loan terms for all types of residential and small commercial properties throughout the state of Florida.
